Gary Kremen, the founder of Match.com has made countless romantic matches online, and now he's using technology to match banks with consumers who really need their help. Photo: AP.

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... I ... all ... you sex on common man Starcom has a new brand to a study from him and he joins us for the next big thing in Tech from sentences go and various ... enzymes is giving up the euro ... tell us about your new venture ... um thanks for having me on the shows I'm and yet so so she Granite's is about helping the underpinning to ... get credit those are the people that are ... new immigrants in use than ... those that use to have a lot of credit and didn't file people ... that don't of secret files at school so she'll Graham it's right ... that's right so should Grammys so I was the annual Minnesota into a nobody mentioned the immigrants in humans I was in humans at one point I find it very hard to get a bank account it is not to be underestimated what are you doing in such a promise to help ... you with its debt bank accounts ... yet it's totally an unfair aam problem because you might have great character ... don't open baked attempts to shoot you're not in the ... three credit bureaus so were using ... social media to help people whether they be the new immigrants or use ... or people who use to have great credit but the financial crisis is for them ... on how to establish credit ... talking about the addressable market during the nominee these people are there ... um what ... what I mean having a not having a credit record and make it difficult to establish an account establish or ... financial presence but ... um how many people do you think this this really is is adjustable ... depending on how you slice it it's sweet considerate kind of the so-called bottom third I hate that word bottom because many of those people ... are on top ... according to a great organization agreed net profit ... on the center aam for Financial Services Innovation ... CFS site is having a great conference out here ... in San Francisco in June ... between eighty and one hundred ... million Americans are ... under baked so to speak ... in eighteen one hundred million at it let's let's get an ATM on Ramona three hundred ... and seven twelve across twenty million people in this country that is an enormous number ... enormous ... enormous ... and what are they what do they reach too now I mean there must be some kind of an alternative mechanism some kind of an alternative medium ... for these people would do financial business is it that long shops in on me I mean ... you don't yet know what the picture from Portugal ... yes Osama have ... some on the use of debit cards ... some ... mini candy to give it that counts thinks ... in many cases don't want them because their so called non profitable ... business because it takes I guess a certain amount of money ... to keep the bank ... account opened ... so they're there or reduce the loan sharks to reduce debt ... predatory ... on behavior ... and we wanna help on those under big consumers ... get empowered weathered the financial literacy ... or other methods and and so what's your what's your plan I mean obviously getting into the subordinate the province of which are planted to profit from this ... what the banking industry considers on profitable segment ... that's right so on ... you know ... while I wanna help society also wanna make a little profit so we had some models for making money on a per transaction ... fee or cut of the success fee ... for getting whether they be on Bing which is no bank accounts or under banked ... access to credit uncommon continue to build a ... credit profile that kind of get into the next step from no credit file needed in credit file ... for people with that credit file that for reasons kind of ... got so-called damage ... it's ... Hoeppli said he said are you know all two hundred million people um so what did you blow on it when you're running sex Telkom and mashed outcome that is helping you now with this new venture ... sell we you know whether it's about creating love there are other things I mean you know ... I love that I love the idea just created Amadon's and ... write something about wanting to believe Bill work and making it where it is kind of the hallmark of entrepreneur ship ... sounded ... a little bit of field of dreams you know Bill that and they will come no clue with match ... you know ... if you believe you can get to people in the database maybe they might like each other so ... there's a little bit ... believing it will happen and that sometimes ... and and what what do you think you knew you and in doing that it might not walk coming what one other things for the mistakes she made everyone makes mistakes he knew I got ... I like Mr. mistake if you look out ... onto a narrow mistake in the dictionary ... my picture will be there long haul flights also tells us thanks and tell us why ... October has come up from here ... I'll tell you great and I learned for example ... I might get another company clean power finance I learned how to read it is again a great CEL ... I've learned that sometimes people start companies art that people should run a site like this company clean power finance ... part a world-class CEO a guy named Matt Kramer ... I'm a big believer in get the right person ... for the right job but it's usually not the person who starts the company ... is either the wrong people like that know me I'm not too good with people so I get people for better with people than me and I'm good at the idea is ... working on projects so that's number one thing I learned about that ... I like that ... everyone a lot of people's start companies think they should be the people running I'm not a big believer that usually it's a different skill set ... right ... so um ultimately down with that with Toshiro ... Quran ... sorry about such a crucial point is to transition these people that you find or under banked in transition into conventional banking products down the road so you ... you continue to bring people in cycling through and and and cycle about and ... that sort of thing is ... I don't think cycling out I think it helped them develop relationships with lenders and get him to repay ... so the build up their credit I mean look ... at new immigrants are great example people Ardi been trusting him with bank accounts they might not even have ... the proper IQ has nothing to do with their character ... is a person ... near the driver took us over I ... doubt ... I doubt in our vision is ... we've had a Brean character in community ... back to baking and landing when we didn't think of it's a wonderful life back to them when Baker knew you ... did she fall wreath was so low ... and the new year employment ... they knew who you knew ... and today when ... the bankers people own aren't the people who we behold under the loans like we saw during this housing crisis ... bad things happen ... we're trying to bring them back ... it's a little bit of Cuba ... for all our ... that the lending a helping under banked ... moment ... thank you so much Garry Currumbin of annex they did next big thing in Tech Zsigmond that summing up so shipwrecks we look for to see